RBS (One Account) Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and PI insurers. It is a unique risk mitigation tool.

This software assists the way you can prove to lender panels that you are, and can stay fully compliant with their instructions, with notifications given on RBS (One Account)’s changes. Notwithstanding that utilising COMPLETIONmonitor is not a prerequisite for RBS (One Account) , demonstrating you can stay up to date with RBS (One Account)’s Handbook requirements is an excellent support to your panel application and, more importantly, safeguard your panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces compliance and CQS reports, and will enhance your firm's efficiency. It is also simply to use, cost-effective and, for some firms, results in reduced PII premiums.

Find a Law Firm approved by RBS (One Account)

Mortgage companies often change their requirements. The UK Finance Lenders’ Handbook requirements from RBS (One Account) are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, frequently:

A Timeline of Policy Changes


Since 2008, RBS (One Account) has made 329 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 8.3 days. In total, 55% of the sections of P2 of the UK Finance Lenders’ Handbook for RBS (One Account) have been changed since 15/12/2008.

To find out more about lender panel compliance,

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Recent Changes Include

# Date Assoc. Changes Related To
5.4.6 19/11/2019 CML
Conveyancing Searches: Search Insurance
The Royal Bank of Scotland plc One Account panel lawyers clarification as to whether they accept search insurance and, if yes, the The Royal Bank of Scotland plc One Account requirements
Local Search Indemnity Insurance
5.7.1a 02/12/2016 CML
Flying Freeholds
The Royal Bank of Scotland plc One Account approved lawyers clarification as to whether they lend on flying freeholds
5.7.1b 02/12/2016 CML
Freehold Flats
The Royal Bank of Scotland plc One Account panel lawyers clarification as to whether they lend on freehold flats
6.7.1 23/08/2016 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
10.2b 05/07/2016 CML
Mortgage Advance and Certificate of Title
What is the minimum number of days notice The Royal Bank of Scotland plc One Account require ahead of sending the mortgage advance?
16.3.1 31/05/2016 CML
Transfer of Equity
The Royal Bank of Scotland plc One Account clarification as to whether they have a standard form of Transfer of Equity/Deed of Covenant?
6.14.1 30/11/2015 CML
Building Insurance
The Royal Bank of Scotland plc One Account approved lawyers additional requirements concerning building insurance
6.7.1 25/09/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.7.1 25/08/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.7.4 13/01/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account panel conveyancer requirements for New Build Conveyancing : will the The Royal Bank of Scotland plc One Account proceed if the property does not have the benefit of a new home warranty scheme

Last update 07/04/2020

RBS (One Account) Conveyancing Panel Sample Enquires to our Call Center from members of the public

Much to my surprise I have been told by my mortgage broker that my the law firm I have appointed is not on the RBS (One Account) Conveyancing panel. How can I check?
The best course of action for you to take is to contact your conveyancer. It is reasonable to expect your lawyer to advise you what has happened. If they are not on the panel they could put your in touch with solicitors on the the approved RBS (One Account) solicitor panel.
My husband and I are refinancing our maisonette with RBS (One Account). We have a son approaching twenty who lives with us. The solicitor on the RBS (One Account) conveyancing panel has asked us to disclose any adults other than ourselves who reside at the property. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the apartment is forfeited by the lender. I have a couple of questions (1) Is this form unique to the RBS (One Account) conveyancing panel as he did not need to sign this form when we remortgaged 4 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to RBS (One Account) .This is solely used to protect the RBS (One Account) if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.

It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of RBS (One Account) had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

Are the lawyers identified as being on the RBS (One Account) conveyancing panel, together with their details provided by RBS (One Account)?
The law firm practices themselves provide us confirmation that they are on the RBS (One Account) conveyancing panel as opposed to being supplied with a list from RBS (One Account) directly.
My solicitors in Leeds have advised me that they can not locate my conveyancing file. To assist with my purchase I took out a mortgage with RBS (One Account). Is it case that being on the RBS (One Account) conveyancing panel they need to have retained the file for a prescribed period?
It very much depends from lender to lender but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the RBS (One Account) Conveyancing Panel Terms. It might be worth you contacting RBS (One Account) directly.
I previously instructed online solicitors located in Bristol who are on the RBS (One Account) solicitor panel. They have just invoiced me a separate fee of £175 for dealing with the RBS (One Account) mortgage. Is this an additional conveyancing fee specified by RBS (One Account)?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by RBS (One Account) but by your lawyers. Some firms on the RBS (One Account) will charge an ‘acting for lender’ fee and others do not.
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender RBS (One Account) be concerned
As your lender is RBS (One Account) your lawyer must to check the RBS (One Account) conveyancing instructions contained in the Part of CML Handbook for RBS (One Account) . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to RBS (One Account) where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. Requirements for Scotland are due in the near future.
My offer on house has been accepted, but there is a chain. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties booked. My conveyancing solicitor has been instructed. What do I do now? At what point should I appy for the mortgage with RBS (One Account)?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the RBS (One Account) conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with RBS (One Account) and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.